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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville — a gated community home in Jacksonville.

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Active·Listed today

3591 Kernan Boulevard S 607

Jacksonville, FL 32224

$171,500$159/sqftEst. $939/moMLS# 2167384
2
Beds
2
Baths
1,077
Sq Ft
2005
Built
—
Garage
No
Pool
HOA $436/mo436 sqft lotCondominium1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Jacksonville

Looig for housing for your college student. University of North Florida is right down the street. Both bedrooms are ensuite so perfect for a roommate. Great ibnvestment property.Gated ground floor 2 bedroom/2 bath unit close to shopping, groceries, beach, UNF, and major highways. Water heater and HVAC approximately 4 years old. New carpet in the bedrooms. Parking space number 283. Complex includes pool and work out center. Why pay dorm fees when you can invest in a property near UNF. Great unit for college student and room mate.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$939
Property taxesest. at asking price, Duval County$280
HOAbilled monthly$436
Estimated total, before insurance$1,655/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,824/yr · $235/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$171,500
$34,300
Loan Term
Monthly Payment
$939
Principal & Interest: $939
Property taxes (est.): $280
Insurance (est.): $114
Estimated Total Monthly
$1,333
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,789 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:19 AM, sunset 7:12 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$158,000$158,000—
2024$171,500$151,680—
2023$171,500$137,891—
2022$135,000$125,356—
2021$113,960$113,960—
2020$109,000$94,316▲ $10,500

2025 property taxes (current owner): $2,824/yr

Estimated taxes if purchased at asking price: ~$3,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History

Price & status history

  • Oct 1, 2026Listed$171,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$171,500
Price / Sq Ft$159
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,077
Acres0.01 acres
Year Built2005
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address3591 Kernan Boulevard S 607, Jacksonville, FL 32224
Area026-Intracoastal West-South Of Beach Blvd
SubdivisionAvanti
CityJacksonville
CountyDuval
StateFL
Zip Code32224
Lot Size435.6 sq ft
Parcel Number1670676686
ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Parking Lot
ViewOther

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate

Exterior

Lot DescriptionFew Trees
Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedOctober 1, 2026
Days on Market0
HOA Fees$436 / Monthly
HOA FrequencyMonthly
HOA NameAvanti Condo
Tax Amount$2,823.69
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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